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Get My Consumer Credit Report
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According to China’s Regulation on Credit Reporting Industry, individuals have the right to access to his/her credit report for free twice a year. To inquire your credit report, either log on our On-line Consumer Credit Report Service Platform ( https://ipcrs.pbccrc.org.cn ), or go to local branch offices of the PBC (see our  Chinese website for detailed contact information about branch offices and inquiry points) .

Request Your Credit Report On-line

I. Where may I request my credit report?
You may put in your request for your credit report simply by logging on the on-line enquiry service website (https://ipcrs.pbccrc.org.cn).

II. Who may request for a credit report?
Individuals who possess ID cards issued by police in the pilot provinces (municipalities and autonomous regions) may put in a request for their personal credit reports on the website.

III. What kind of information will I obtain?
▲ Consumer credit report: The report contains detailed information about your credit history, public records history as well as a list of previous queries on your credit record.
▲ Summary of consumer credit information: This contains a summarised version of your credit history, public records history as well as a list of queries on your credit record in the preceding two years.
▲Consumer credit information reminder: This service reminds you of whether you have any record of loan or credit card payments categorised as past-due in the preceding five years, or if there is any record of over 60 days’ overdraft on any quasi-credit card account on your credit history.

IV. What is the procedure for putting in a request?
▲ For new users
1.Register user account; submit request for credit report
2.Activate account
3.Obtain result of query

▲ Old user
1.User logs in
2.Submit request for credit report
3.Obtain result of query

Step 1: Register user account.
(1) Provide registration information: this includes your basic information such as name, ID type and ID number. An ID card may only be used for the registration of one user.
(2) Online identity authentication.
(3) Submit application for registration together with request for credit report (select the option “Obtain credit information as soon as registration is accepted”)
Tips: For users who are already registered, simply log on to the website with your username and password, and undergo a round of identity authentication before submitting your request.

Step 2: Activate user account
(1) After submitting your application for registration online, once you complete identity authentication successfully, you will receive a text message with the account activation code on your registered mobile phone line on the next day.
(2) The activation code is valid for 7 days. During this period, you must log on to the website to activate your account using the code.
For example: The user submits the registration application on January 1 and passes the identity authentication process on January 2. The activation code is thus valid from January 2 to January 8.

Step 3: Submit request for personal credit information
(1) Request credit report: After submitting your application for registration online, you will receive a text message with the activation code on your registered mobile phone line the next day.
(2) Request summary of credit information: You may log on to the website the day after submitting your application is submitted to look up the summary of credit information online.
(3) Request credit information reminder: Log on to the website to obtain credit reminders on-line or opt to receive it by text message.
Request “credit information reminder” via text message: If you are a registered user, you may use the mobile line registered to your account to send a text message of “cx+ username” to “106980008899”. After the text message has been received, you will receive a text message to confirm that the request for delinquency information reminder has been submitted. You will receive a text message on the next day to inform you whether you have had any delinquency records in the preceding 5 years.

V. What is the identity authentication process like?
In order to prevent your credit information from being accessed by unauthorised parties, we have set in place a stringent identity authentication process for online requests, including authentication using security questions and authentication using digital certificates.

VI. What is the identity authentication process using security questions like?
▲ If you choose to undergo identity authentication by answering security questions, you would need to answer a certain number of security questions on-line correctly within a given period of time.
▲ These questions are designed based on your ID information and credit transaction information lodged with banking institutions.
▲ You may fail to successfully complete the identity authentication process using security questions due to the following reasons:
(1) You have neither applied for any loan in a bank nor do you have a credit card account;
(2) You are not familiar with your own credit transaction details and have failed to answer the questions correctly;
(3) Your genuine personal information is not consistent with the information found in the consumer credit reporting database.

VII. What is the identity authentication using a digital certificate like?
▲ The digital certificate is usually stored in the USB token that is also used for e-banking transactions. Simply connect your USB token to the computer and then follow the instructions on the screen to complete the authentication process.
▲ Currently, we support digital certificates issued by banks or institutions in cooperation with the China Financial Certification Authority (CFCA), such as those issued by China CITIC Bank, the Industrial Bank (Fujian), China Minsheng Bank, Hua Xia Bank, etc. If you are in possession of a valid USB token from any of these institutions, you may use these without having to apply for a new one.

VIII. Does the CCRC charge any fees for the on-line enquiry service?
The service is provided free-of-charge currently. The CCRC may begin to collect fees for the service in the future in accordance with the relevant regulations set down by State Council pricing regulators.

IX. Is it safe to look up my credit information on-line?
▲ We have adopted a set of stringent identity authentication procedures based on international best practices. Identity authentication is required for both user registration and each credit record request. This requirement effectively prevents your identity from being stolen or disclosed to an unauthorised third party.
▲ There are, however, potential risks to on-line credit information lookup, such as hacker attacks, the threat of computer viruses and Internet communication failures.
▲ Therefore, we have stipulated an information storage period. Your query results will only be stored on the website server for 7 days following the issuance of the query result notice sent to you. The information will be deleted automatically from the system after 7 days.
▲ Take good care of your username and password. Do not disclose your password to others and change your password on a regular basis to ensure the safety of your credit information.
▲ Please keep your credit report in a safe place. Further, do not look up or store your credit information on a publicly accessible computer such as those in an Internet café or on an open network to prevent the disclosure of your personal information.

X. What if I have any question about the query, or find any inaccuracy in the credit information received?
▲ If you have any question about the on-line service, please call our customer service hotline at 400-810-8866 for assistance. Our customer service operators are available from 0900hrs to 1700hrs on work days.
▲ If you find that your credit information is inaccurate or incomplete, you may raise a dispute in person at your local PBC branch, or with the bank that submitted the information.



Request Your Credit Report at Local Branch Offices of the PBC

I. To inquire in person
To inquire own credit report at an inquiry point, an individual is required to provide the original of personal valid ID document for verification, and also fill in the Form of Application for Personal Inquiry about Consumer Credit Report with the duplicate of his/her valid ID document filed for inspection.
The above-said valid ID documents include ID card, military officer ID card, solider ID card, passport, Mainland travel permit for Hong Kong, Macau and Taiwan residents and alien residence permit.

II. To inquire by proxy
If an individual asks another person to inquire his/her credit report at an inquiry point by proxy, the agent shall provide the originals of valid ID documents of both the principal and the agent as well as the notarial attestation for proxy for inspection. Besides, the agent shall also fill in the Form of Application for Personal Inquiry about Consumer Credit Report with the duplicates of valid ID documents of both the principal and the agent as well as the original of the notarial attestation for proxy filed for inspection.

You may also print and fill in the Form of Application for Personal Inquiry about Consumer Credit Report.